Especially since the launch of the Chase Sapphire Reserve®,
rewards credit cards have exploded into a mainstream obsession.

It's not hard to see why more people than ever are jumping into
the once-obscure world of credit card rewards and bonuses.
There's the lure of
high sign-up bonuses and travel perks, not to mention the
opportunity to use points for free flights, hotel stays, and even
first-class tickets.

So what's the best move for someone seeking to boost their stash
of credit card points, frequent flyer miles, or cash back? Here
are some of the top credit cards currently available, based on
sign-up bonuses, rewards earned on everyday spending,
benefits, and overall value.

Table of Contents

Our expert panel for this guide

We consulted top credit card, finance, and travel experts to
inform these picks and provide their advice on finding the best
rewards card for your needs. You'll find the full text of our
interviews with them at the bottom of this post.

Business Insider

The best rewards credit cards of 2020

Best no-annual-fee rewards card: Chase Freedom
Unlimited®

Chase Freedom Unlimited®

Sign-up bonus: $200 bonus (or 20,000 points)
after you spend $500 on purchases in the first three months after
account opening

Annual fee: $0

If you already have the Chase Sapphire Reserve® or Chase Sapphire
Preferred® Card and are saving your points for a specific trip,
the Chase Freedom Unlimited® can give your balance a nice boost.
While Chase markets the card as "cash back," it actually earns Ultimate Rewards
points that you can redeem for cash (1 point = 1 cent).

When you have a premium card like one of the Sapphires or an Ink Business card, you
can pool your points from the two cards. The Chase Freedom
Unlimited® earns 1.5 points per dollar spent, so paired with a
Sapphire Reserve, it's a great card to use for purchases that
aren't made on travel expenses or dining. Best of all, the card
has no annual fee.

The Chase Freedom Unlimited® is a fantastic all-around card.
However, to get the most value when it's time to spend your
points, you need the Sapphire Reserve or Preferred card, too,
so you can pool your points. Otherwise, points are only worth
1¢ each no matter how you use them and they can't be transferred
to airline or hotel partners.

What the experts love: Flat cash-back rate makes
it easy to earn rewards without keeping track of bonus
categories, you can transfer your points to another Chase card to
redeem them for travel at a higher rate, no annual fee

What the experts don't love: One point only
equals 1 cent for cash back, to get a better value you'll need to
pair it with a Sapphire card. "The 1.5% cash-back rate is the
standard at this point, but other cards like the Citi® Double
Cash Card earn 2% on every purchase. If you're looking for a
flat-rate card, earn the highest rate you can," says Rathner.

Read more about the Chase Freedom Unlimited:

Best travel card with an annual fee under $100:
Chase Sapphire Preferred® Card

Chase Chase Sapphire Preferred® Card

Sign-up bonus: 60,000 points after you spend
$4,000 in the first three months after account opening

Annual fee: $95

Now that the Chase Sapphire Reserve® has a $550 annual fee, it's
harder to recommend it as the best travel rewards card overall.
The Chase Sapphire Preferred® Card, on the other hand, has
broader appeal with a number of similar features and a higher
sign-up bonus, all for a lower annual fee.

The Sapphire Preferred card earns 2x Ultimate Rewards points
instead of the Reserve's 3x points on dining and travel, 5x
points on Lyft, and 1 point per dollar on everything else.

Points are worth a lower 1.25 cents apiece on travel booked
through Chase, but can still be transferred to frequent flyer and
hotel loyalty programs. There's no annual travel credit, but
there's still car rental primary coverage, as well as slightly
less-generous trip delay coverage and purchase protection.

If you don't think you'll be able to use the Chase Sapphire
Reserve®'s new benefits that accompanied the increased annual fee
- like DoorDash statement credits and Lyft Pink membership - the
Chase Sapphire Preferred® Card could be a better choice. If you
eventually decide that the Reserve is worth it,
you can upgrade your card.

Read more about the Chase Sapphire Preferred:

Best for earning maximum travel points: Chase Sapphire Reserve®

Chase Chase Sapphire Reserve®

Sign-up bonus: 50,000 points after you spend
$4,000 in the first three months after account opening

Annual fee: $550

With 3 Ultimate Rewards points per dollar spent on dining and any
travel and 1 point per dollar on everything else, the Chase
Sapphire Reserve® makes it easy to maximize your everyday
spending, and it comes with a slew of perks. It used to be our
top travel rewards card pick, but now that it has a $550 annual
fee (up from $450), it's harder to recommend to everyone.

The Chase Sapphire Reserve®annual fee is offset by a $300 travel
credit each year, good for things like taxis, subway fare,
parking, tolls, and flights. This effectively decreases the
annual fee to $250, so you'll have to decide whether the card's
other benefits are worth it for you.

You now get up to $60 in credits with DoorDash in 2020 and again
in 2021, 10x points on Lyft rides, and a year of complimentary
Lyft Pink membership (which gets you discounted rides and more).
If you frequently travel with Lyft and use DoorDash to order food
delivery, these benefits could easily justify the higher annual
fee - but that's not the case for everyone.

What the experts love: Points are worth 1.5
cents each when redeemed for travel through Chase, 3x points on
two very broad bonus categories (travel and dining)

What the experts don't love: The high annual
fee. "Unless you can fully use all the other perks this card
offers, it will become expensive to carry this card for a long
time," says NerdWallet's travel and credit cards expert, Sara
Rathner. The Chase Sapphire Preferred® Card could be a better
option if you were already on the fence.

Read more about the Chase Sapphire Reserve:

The most travel benefits: Platinum Card® from
American Express

American Express Platinum Card® from American Express

Welcome offer: 60,000 points after you spend
$5,000 in the first three months after account opening

Annual fee: $550

The Platinum Card® from American Express has the same annual fee
as the Chase Sapphire Reserve®, but also a longer list of
benefits. The Platinum card is also one of the best options for
paying for flights, because you'll earn 5x Membership Rewards
points on airfare purchased directly with airlines.

Like Chase Ultimate Rewards points,
American Express Membership Rewards points can be used to
purchase travel, gift cards, or products directly through from
the issuer, or they can be transferred to certain airline and
hotel loyalty programs. The best value comes from that latter
use. If you redeem points by using them to book travel through
Amex, you'll get around 1 cent per point.

Of course, $550 is a lot to pay out each year. Up to $200 in
annual airline fee credits and up to $200 in annual Uber credits
certainly help, but the airline credit can be difficult to use if
you aren't checking bags or buying drinks on flights.

The bonus spending categories on this card are less generous than
on the Chase Sapphire Reserve®, meaning it can take longer to
earn points unless you book a lot of flights. Even so, the card
remains extremely valuable if you can make good use of the
benefits. For example, in your first year with the card, you can get more than $2,000 in
value.

What the experts don't love: High annual fee,
some annual statement credits have significant limitations. "You
have to choose one airline to apply the annual $200 statement to,
which limits your flexibility," says Rathner.

Sign-up bonus: 50,000 miles after you spend
$3,000 in the first three months after account opening

Annual fee: $95

Capital One's travel rewards program isn't necessarily as
lucrative as what other banks offer. However, Capital One
recently expanded the card's benefits, adding airline transfer
partners, and launching transfer bonuses -
such as a 20% bonus to Air France/KLM.
While the transfer value isn't quite as good as with Chase or
Amex, the flip side is that Capital One miles are easy to earn
and easy to use - and thanks to a new partnership, you can earn
them quickly.

The Venture Rewards card
earns 2 miles per dollar on all purchases. Miles can be redeemed
as a statement credit to "erase" travel purchases. For example,
if you buy a $500 plane ticket, you can apply 50,000 miles to
cancel out that charge.

Capital One added airline transfer
partners in late 2018 - most are at a 2:1.5 ratio, and a few
are 2:1 - meaning it's now possible to get outsized value from
the card.

Read more about the Capital One Venture:

Best for rewards on dining out and groceries:
American Express® Gold Card

American Express American Express® Gold Card

Welcome offer: 35,000 points after you spend
$4,000 in the first three months after account opening

Annual fee: $250

The American Express® Gold Card earns a massive 4x points at
restaurants worldwide and on up to $25,000 per year at US
supermarkets (and 1x point after that), 3x points on flights
booked directly through the airline, and 1 point per dollar on
everything else.

The American Express® Gold Card offers up to $120 of dining
credits per year (after enrollment), broken into chunks of $10
each month. Credits are good for purchases through food delivery
services Seamless and GrubHub, and at The Cheesecake Factory,
Ruth's Chris Steak House, or participating Shake Shack locations.

Additionally, the American Express® Gold Card offers up to a $100
airline fee credit each calendar year, which is good for things
like checked bags, onboard food and drinks, seat reservations,
seat upgrades, lounge day passes, and more.

The two credits - together worth $220 - are almost enough to
offset the card's $250 annual fee even before factoring in the
value of the rewards you'll earn.

What the experts love: Fantastic rewards on
dining and groceries at US supermarkets, statement credits and
benefits to offset the annual fee

Cons: Smaller welcome bonus, only 1 cent per
point of value unless you transfer points to an airline. The
Points Guy's Hull also notes that the card's annual airline fee
credit is somewhat hard to use, while Rathner adds, "The $120
dining credit sounds like a lot, but it's actually up to $10 a
month at select restaurants and food delivery apps. If you don't
live near any of these restaurants or live in a city not served
by those apps, this benefit is useless to you."

Read more about the Amex Gold Card:

Best cash-back rewards: Blue Cash Preferred®
Card from American Express

American Express Blue Cash Preferred® Card from American Express

Welcome offer: $250 statement credit after you
spend $1,000 in the first three months of card opening

Annual fee: $95

If you're less excited about earning rewards points - which can
be valuable, but also tricky to redeem - and want to stick with
cash back, the Blue Cash Preferred® Card from American Express is
the best option, despite its $95 annual fee.

Amex recently added 6% cash back on
select US streaming services and 3% back on all transit. That's
in addition to the existing categories of 6% cash back at US
supermarkets on up to $6,000 in purchases per year (and 1% after
that), 3% back at US gas stations, and 1% cash back on everything
else.

The Blue Cash Preferred® Card from American Express comes with a
handful of travel and purchase protections as well. Cash back
comes in the form of a statement credit, so effectively you can
use it to "erase" purchases.

What the experts love: Bonus cash back on useful
categories, easy to earn enough cash back to offset the annual
fee

What the experts don't love: The card has an
annual fee, which Personal Finance Insider's credit cards editor
Sarah Silbert notes is relatively rare for cash-back cards, and
there's a cap on earning 6% back at US supermarkets each year.
Rathner recommends switching to a different card for groceries
once you hit the $6,000 mark. Summer Hull of The Points Guy sums
it up this way: "Cash is good, points are better."

Sign-up bonus: 50,000 points after you spend
$3,000 in the first 90 days after account opening

Annual fee: $95

If you want a rewards card that offers bonus points without lots
of hoops to jump through, the Premium Rewards card can be a great
option. Not only does it earn 2x points on travel and dining
purchases and 1.5x points on all other purchases, but it also
offers extra rewards to Bank of America customers who qualify for
the Preferred Rewards program.

The
Bank of America Preferred Rewards program is for customers
with an average three-month balance of at least $20,000 in
qualifying Bank of America or Merrill investment accounts. There
are three tiers - Gold, Platinum, and Platinum Honors - and
depending on what tier you qualify for, you can get a 25% to 75%
bonus on all points earning with the Premium Rewards card. So you'll get 1.875x to
2.62x points on non-bonus purchases, and 2.5x to 3.5x points on
travel and dining purchases.

Beyond offering the potential to be very rewarding for Bank of
America customers, the Premium Rewards card offers up to a $100
credit to
cover the application fee for Global Entry or TSA PreCheck.
You also get up to $100 in airline incidental fee credits each
year, so if you take full advantage of these two benefits, you'll
actually come out ahead compared to the $95 annual fee.

Read more about the Bank of America Premium Rewards card:

Comparing the top rewards credit cards

Best forAnnual feeWelcome bonusRewardsChase Freedom Unlimited®
No annual fee
$0
$150 after $500 spent on purchases in the first 3 months
1.5% cash back on every purchase
Chase Sapphire Preferred
Travel
$95
60k points after $4K spent in the first 3 months

2x points on travel and dining

1 point per dollar on everything else

Chase Sapphire Reserve
Frequent travelers who can justify the annual fee
$550
50k points after $4K spent in the first 3 months

5x points on flights booked directly with airlines and on
flights and prepaid hotels booked through Amex Travel

1 point per dollar on everything else

Capital One® Venture® Rewards Credit Card
Easy redemption options
$95
50k miles after $3K spent in the first 3 months
2x miles on every purchase
Amex Gold Card
Rewards on groceries and dining out
$250
35k points after $4K spent in the first 3 months

4x points at US supermarkets* and at restaurants
worldwide

3x points on flights booked directly with airlines or
with Amex Travel

*4x points on the first $25,000 spent at US supermarkets each
year, then 1 point per dollar

** 6% cash back on up to $6,000 spent at US supermarkets each
year, then 1% cash back

Frequently asked questions

How did we choose the best rewards credit cards?

You'll notice that this page doesn't include every rewards credit
card currently available to new applicants. That's on purpose -
we evaluated the options on the market, utilizing the expertise
of our Personal Finance Insider staff and the input of credit
card, points and miles, and financial experts to narrow down the
list to the very best options.

We define "very best options" as those that offer concrete value
through benefits like annual statement credits and airport lounge
access and through rewards such as bonus points on your everyday
spending.

This list doesn't include our top picks for airline and hotel
cards. You can learn more about those cards here:

What credit card offers the best rewards?

If you don't want to overthink it, the Chase Sapphire Reserve®(or
the Chase Sapphire Preferred® Card if you want a lower annual
fee) is a safe bet. However, there is no easy answer if you want
to optimize all of your spending, because all the types of points
and miles have different values. We recommend using The Points
Guy's valuations
to get a sense of what the different currencies are worth. For
example, one Chase Ultimate Rewards point is worth 2 cents, while
one Delta miles is worth 1.2 cents. So when you look at how many
points or miles a rewards credit card offers per dollar, remember
that you need to take the value of those points or miles into
account.

What are the different types of rewards credit cards?

There are a few main types of rewards cards:

"Flexible" travel rewards credit cards -Most
of the picks in this article fall under this category. These
cards earn bank points, also called "flexible points," that can
be redeemed for travel, either directly through the issuing
bank's travel portal (like Amex Travel) or with travel
partners. This type of rewards credit card is usually the most
valuable because you have the most options for using your
rewards. For example, Amex has more than 20 travel partners you
can transfer points to, and Chase has 13. Examples of this type
of card include the Chase Sapphire Preferred® Card, the
American Express® Gold Card, and the Capital One Venture Card.

Cash-back credit cards - Examples include the
Blue Cash Preferred® Card from American Express. These cards
don't earn points or miles; they earn you cash back on all your
purchases. If you don't travel or your priority is to get money
back, these are the cards for you.

Hotel or airline travel rewards credit cards -
Examples include the Hilton Honors American Express Aspire
Card. These are travel-focused credit cards that earn rewards
with a specific hotel or airline loyalty program and offer
benefits like credit toward elite status. For that reason, they
make the most sense for travelers who are loyal to the given
travel brand.

Should I earn cash back or points?

It depends on what you want to do with your rewards. If you want
to put money back in your bank account, a cash-back credit card
will help you accomplish just that - and you usually won't have
to pay a very high annual fee, if you have to pay one at all.

On the other hand, if you're hoping to earn rewards that you can
redeem for travel, a card that earns points is more up your
alley. Our picks for best points-earning rewards cards earn
either
Amex Membership Rewards points,
Chase Ultimate Rewards points, or Capital One miles. You can
transfer all three of these currencies to travel partners and
redeem them for things like free flights. (Note that while
Capital One calls its rewards currency "miles," they aren't miles
with a given airline program.)

If you're willing to juggle multiple credit card accounts,
there's value in having both cash-back and points-earning cards.
If you prefer a single-card strategy, evaluate your goals and
consider how much you're willing to pay in annual fees to make
the best decision for your situation.

The experts' advice on choosing the best rewards card for you

We interviewed a certified financial planner along with top
experts on credit cards and travel rewards about what makes a
good rewards card and how to choose the best options for you.

Here's what they had to say when we interviewed them about
finding the best card for you. (Some text may be lightly edited
for clarity. Special thanks to Business Insider's Tanza
Loudenback for interviewing the experts.)

Generally, cards that offer a variety of reward options are best
because they offer the card holder flexibility. Whether it's
points, miles, or discounted offers with a particular airline or
hotel brand, the more options available the better in order to
help the card holder take full advantage of the rewards offering.

Solid earning structure, built-in benefits that are useful and
not duplicated on many other cards, annual fee that is easy to
justify relative to the perks, and some unique offerings that
would be hard to get elsewhere.

A good rewards credit card earns points that are flexible,
meaning you have lots of options for using them, like you do with
Amex and Chase points. It also has bonus categories that give you
the opportunity to earn rewards quickly, as well as (hopefully) a
generous sign-up offer for new cardholders.

Beyond that, a good rewards card should offer you benefits that
make it worth the annual fee (if there is one), such as statement
credits that cover travel purchases and travel coverages like
trip delay insurance.

How can someone identify whether a rewards credit card is
good for them?

Sara Rathner, NerdWallet:

Look for a card that rewards you where you spend the most, with
terms you can live with. A card that's trendy won't necessarily
be the right card for you. It's a highly personal decision, and
it's worth it to not overlook a less flashy card that may suit
your needs really well.

Luis Rosa, CFP:

To best identify if a rewards credit card is good for you,
consider your lifestyle and spending habits. For example, do you
have a preferred hotel brand or airline? Do you often travel
abroad? Knowing the answer to these types of questions will help
you narrow down your choices in order to best help you identify
if a rewards credit card is good for you.

Summer Hull, The Points Guy:

It's really 99% math. If you can place value on the rewards you
earn and the perks included, it gets easy to see if a particular
card is a good match for your spending habits and rewards
desires.

Sarah Silbert, Personal Finance Insider:

Look at the card's bonus categories and see if they align with
where you spend your money. Also remember to check if a card has
a foreign transaction fee before you take it abroad - many
cash-back cards do charge this fee, so don't assume.

What should someone consider when selecting a rewards
credit card?

Sara Rathner, NerdWallet:

Travel rewards cards are popular, but they're a better bet for
consumers who travel often, especially if they travel
internationally. If you stay close to home, a cash-back card may
actually be more rewarding.

Also, consumers who currently have credit card debt should make
paying that debt down their number-one priority, before looking
for a rewards card. The interest you'd pay on your debt would
wipe out the value of any rewards you'd earn. Consider a balance
transfer card, which gives you a year or more to pay down your
debt at 0% interest.

Luis Rosa, CFP:

Consider annual fees and foreign transaction fees. Some annual
fees can be in the hundreds of dollars, so you want to make sure
that the rewards you'll accumulate will offset the cost of having
the card. Another thing to consider is whether or not you carry a
balance. If you do carry a balance, you should also consider the
interest that you'll be paying on that balance in order to ensure
that it's not eating away at your rewards.

Summer Hull, The Points Guy:

Is the sign-up bonus juicy? Let's be real, big bonuses are better
than small ones, so pounce when the bonus is big. But then look
beyond at the earning rate, the annual perks and benefits such as
statement credits and elite status.

Sarah Silbert, Personal Finance Insider:

Make sure you're doing your homework so you don't miss out on a
higher sign-up bonus (do some searching online to see if higher
offers are available). Many cards offer limited-time welcome
offers that can score you thousands of extra bonus rewards
compared to the standard offers.

Always make sure that you'll be able to use the rewards card
responsibly, by paying off your statement each month and avoiding
spending beyond your means.

So you know you want a rewards credit card, but not sure which
one?

Our list of the best rewards credit cards can help narrow down
your choices if you already know what you want. But what if
you're not sure which type of credit card is best suited to your
spending habits.

If you're looking to maximize rewards on your everyday spending,
look no further than the following credit cards. We'll break it
down by spending category - from dining to gas to groceries.

Dining

The Citi Prestige® Credit Cardoffers the highest return on dining
spending, with 5x points on these purchases. You may notice that
some cards, like the Hilton cards below, offer more than 5x
points - but keep in mind that the points multiplier is only half
of the equation.

You also need to know how much each point is worth. We recommend
using The Points Guy's valuations
to get a sense of how many cents you'll get in value with
different loyalty currencies. These valuations are based on all
the different ways you can use a given type of points or miles,
from redeeming them as statement credits to transferring them to
a travel partner to book a flight.

Below, we'll rank the
best credit cards for dining in order of highest to lowest
return based on how many rewards you earn per dollar spent, and
the value of those rewards based on TPG's estimations.

Based on the numbers, the Citi Prestige is the most rewarding
card for dining purchases. But the American Express® Gold Card or
the Chase Sapphire Reserve® could be a better option for you if
you prefer to earn Amex or Chase points. Citi ThankYou points can
be transferred to 14 airline transfer partners including Cathay
Pacific, JetBlue, and Virgin Atlantic, but Amex and Chase's
loyalty programs partner with airlines and hotels that are
arguably more useful for many US-based travelers, such as British
Airways, Delta, and Marriott with Amex and Hyatt, United, and
Southwest with Chase. In fact, The Points Guy values Citi points
(1.7 cents per point) a bit lower than Amex and Chase points (2
cents each)

If you have a car, gas is a big spending category - and it's one
that many cash-back
cards pay out big rewards on.

American Express® Business Gold Card: 4 points per dollar
spent at the two categories where you spend the most each month,
including US gas stations, on up to $150,000 per calendar year,
then 1 point per dollar (8% return on spending)

Again, not all points are created equal, and whether 6 Hilton
points is equivalent (or higher than) 4% cash back or 4
Membership Rewards points depends on how you redeem your
rewards. Most people will be best off going with the American
Express® Business Gold Card for gas rewards.

Thanks to a vast list of hotel and airline transfer partners, you
can redeem Membership Rewards points for some incredible travel
experiences. If you have a business-class trip to Europe in mind,
Membership Rewards transfer partner All Nippon Airways (ANA)
offers one of the best deals out there at 88,000 miles
round-trip.

However, if you're saving up your Hilton points for a high-end
resort in the Maldives, it could be worth channeling gas spending
toward the Hilton Honors American Express Surpass® Card.

Blue Cash Everyday® Card from American Express: 3% cash back
at US supermarkets on up to $6,000 spent per year (then 1%; 1%-3%
return on spending)

With 4x points on the first $25,000 spent each year at US
supermarkets, the American Express® Gold Card offers the most generous payout on grocery
spending. Considering the average US household spends $4,445 on
groceries per year, these limits shouldn't be problematic for
most consumers.

Earning 6% cash back on the first $6,000 spent, the Blue Cash
Preferred® Card from American Express is a good option if you
prefer cash back to rewards points. When maxed out, the 6% back
equates to $360 cash back, which is enough for most people to
book at least a couple of hotel nights or a round-trip
transcontinental flight.

While the American Express Platinum is a great option, not
everyone will get enough value out of the 5x bonus categories to
justify the $550 annual fee. The Chase Sapphire Reserve® is a
great alternative. While it earns a lower 3 points per dollar
spent, this bonus applies to all travel purchases, not just
flights. Plus, the card's annual fee is partially offset by the
$300 travel credit. Unlike American Express, Chase doesn't
restrict its travel credit to a specific airline. The credit
automatically applies to any purchases coded as travel. That's
why the Chase Sapphire Reserve is such a popular card for earning
and redeeming travel rewards.

Discover it® Miles: 1.5 miles per dollar spent, and Discover
will match all your cash back at the end of the first year (3%
return on spending)

Discover it® Cash Back: 1% cash back, with 5% in rotating
quarterly categories on the first $1,500 in purchases each
quarter you activate; then 1% cash back (1-5% return on spending)

Citi® Double Cash Card: 1% when you make purchases, 1% as you
pay (2% return on spending)

Uber Visa card: 2% back on online purchases (1-2% return on
spending)

Lots of cash-back credit cards offer at least 1.5% cash back on
everything, which is a great benchmark to keep in mind on
purchases that aren't eligible for bonus points. The Discover it
Miles a great option for those looking for a no-annual-fee
card with accelerated earning power. Cardholders earn 1.5
miles per dollar spent, which is equivalent to 1.5% cash back.
Points are doubled the first year and can be redeemed for
statement credits toward travel purchases or transferred to your
bank account.

For those looking to maximize long-term earnings, the Chase
Freedom Unlimited® is another great option. It earns 1.5% cash
back on everything. If you have an Ultimate Rewards-earning
credit card like the Chase Sapphire Preferred® Cardor the Chase
Sapphire Reserve®, you can
convert your Freedom Unlimited cash back to Ultimate Rewards
points. Essentially, you could earn 1.5 Ultimate Rewards
points per dollar spent on everything, which equals a very solid
3% return on every dollar you spend.

If you want the flexibility of earning occasional category
bonuses, the Chase Freedom® and Discover it Cash Back are worth
considering. Both cards earn 1% cash back along with 5% on select
category bonuses. Bonus categories rotate every quarter and
cardholders can earn 5% cash back on up to $1,500 worth of
spending when they activate the bonus each quarter. Be sure to
check the cash back bonus calendar for both Discover and Chase
for a better idea of where you can expect to earn more points.

For a more straightforward option, the Citi® Double Cash Card is
solid. Cardholders earn 1% cash back on purchases and another 1%
when they pay off the card. Recently, Citi introduced cash
back-to-ThankYou points conversions, making the Citi Double Cash
card a great way to earn 2 ThankYou points on every dollar spent.